blame, perhaps, for having deficits, and we can go into the causes of that. i don't mean to do that here. but the fact is, the united states of america has an obligation to pay its bills and the republicans say, no, they don't want to pay the bills. doesn't that sort of strike the average american as saying, wait a minute, no, we have to honor our debts? we have always honored our debts in this country since the revolutionary war, is that not the fact? mr. schumer: that is absolutely the fact. my colleague from iowa is exactly correct. bottom line is, yes, these -- what we're talking about with the debt ceiling is debts we've alrey incurred. no american family has the luxury, once they sign up for a mortgage, to tell the bank, "well, i'm not going to pay you unless you do a, b, c." no american family has the luxury of telling the credit card company, "hey, unless you buy me a year's supply of groceries, i'm not going to pay my credit card debt."